SWP Calculator
The SWP calculator will help you calculate in a hypothetical situation what would be your corpus value if you were to start withdrawing regular amounts from the invested corpus.
Total Amount Invested
₹0Total Amount Withdrawn
₹0Current Portfolio Value
₹0A Systematic Withdrawal Plan (SWP) allows investors to withdraw a fixed amount from their mutual fund investments at set intervals, thus creating the potential for regular inflow. An SWP calculator is an online tool that helps estimate how long your investment or corpus may last and the value your portfolio may hold. By entering details such as invested amount, withdrawal amount, frequency, and expected rate of return, the tool works as an SWP return calculator. It is useful for those planning for regular inflow through SWP in mutual fund investments.
What is a SWP Calculator?
An SWP investment calculator or SWP mutual fund calculator, is designed to help investors understand the potential impact of systematic withdrawals on their mutual fund investments. The tool calculates how withdrawals, combined with assumed returns, may influence the longevity and growth of the investment. By simulating different scenarios, investors can plan for inflow while preserving capital.
For example, if you have an existing corpus in a mutual fund and plan to withdraw a set amount, the SWP formula helps estimate how long the corpus may last. This is essential for anyone wondering what is SWP or what is systematic withdrawal plan and how it can potentially support long-term goals.
How does SWP Calculators work? Example of Systematic Withdrawal Plan
A systematic withdrawal plan works by redeeming mutual fund units at set intervals. The SWP formula used by an SWP return calculator is:
A = PMT × [(1 + r/n)^(nt) – 1] / (r/n)
Where:
A: Future value
PMT: Withdrawal per period
r: Annual return rate (decimal)
n: Compounding periods/year
t: Tenure in years
Example: Your invested amount in a mutual fund is Rs. 5 lakh and you are planning to withdraw Rs. 20,000 per month (PMT = 20,000), expect annual returns of 9% (r = 0.09), with monthly compounding (n = 12), for 1 year (t = 1).
Month 1: Your opening balance of Rs. 5 lakh earned Rs. 3,750 in interest (0.09/12 × 5,00,000), total Rs. 5,03,750, you withdrew Rs. 20,000; your closing balance is Rs. 4,83,750.*
Month 2: Your opening balance of Rs. 4,83,750 earned you Rs. 3,628 in interest, total Rs. 4,87,378, withdrew Rs. 20,000 and closing balance is Rs. 4,67,378.*
The SWP calculator for mutual fund shows total withdrawals and remaining corpus. It is important to note that in real-life scenarios, an SWP works by redeeming mutual fund units to provide the set rupee amount. Hence, the withdrawal amount may translate to different numbers of units depending on the NAV each month. In simpler terms, the number of units redeemed each time may vary, even though the rupee amount stays the same.
How to use UTI Mutual Fund's SWP Calculator?
The UTI MF SWP calculator is straightforward to use:
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Go to the SWP calculator tool on this page.
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Next, you enter your starting investment, the monthly amount you want to withdraw, and tenure for how many years you want to withdraw it
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Enter the expected rate of return based on your fund’s profile.
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Then click on calculate.
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The result displays total amount withdrawn and portfolio balance at the end of the tenure.
Advantages of UTI Mutual Fund's SWP Calculator
The UTI SWP Calculator provides several benefits for mutual fund withdrawal planning:
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Ease of estimation: Quickly see how long your investment may sustain withdrawals.
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Scenario analysis: Adjust figures in the SWP return calculator to test different outcomes.
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Inflow projection: Plan regular payouts through SWP in mutual fund strategies.
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Corpus impact: Understand how withdrawals affect your capital.
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Goal alignment: Match withdrawals with retirement or other financial goals.
By using a systematic withdrawal plan calculator, an investor may aim to determine and align withdrawals with future potential returns. Whether you're thinking of withdrawing from a mutual fund for regular inflow or thinking of an SWP calculator for various mutual fund scenarios, this tool may be able to assist you
Have questions? We are happy to help.
AMFI guide on industry returns: 10-year rolling returns between 01/06/14 and 31/05/24 (Index values are considered from June 2004 to May 2024) for various benchmarks. Mean returns are as follows: INR Gold 8.84%; Nifty 500: 12.80% ; Nifty 50 - 12.42 ; CRISIL 10 year Gilt Index – 6.61 and CRISIL Composite Bond Index: 7.85%. The above calculation is for illustration purpose only and not an indication of the performance of any schemes. Calculations are based on assumed rate of return as entered by investors and actual return may vary. Performance may or may not be sustained in future. Please get in touch with your professional advisor for a detailed suggestion. The calculations are not based on any judgments of the future return of the debt and equity markets / sectors or of any individual security and should not be construed as promise on minimum returns and/or safeguard of capital. While utmost care has been exercised while preparing the calculator, UTI MF does not warrant the completeness or guarantee that the achieved computations are flawless and/or accurate and disclaims all liabilities, losses and damages arising out of the use or in respect of anything done in reliance of the calculator. The examples do not purport to represent the performance of any security or investments. In view of individual nature of tax consequences, each investor is advised to consult his/ her own professional tax/ financial advisor before taking any investment decision. SIP is a feature offered for disciplined redemption of a certain amount on a pre-decided date in a specific mutual fund scheme, regularly over a period of time.
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